The Advantages of Using Checks

It’s 2013. Who honestly is still writing checks? You may not know this, but lots of people are still writing checks. Writing checks may seem old-fashioned, but there are many advantages to writing checks instead of using cash or credit cards.

Checks Can Be Safer

In general, checks are a good way to make sure your money stays secure. For example, if you send a check in the mail, your money is a lot safer than if you were sending cash through the mail. Checks can be wrapped in other paper and put inside opaque envelopes, making it very difficult to tell that there is a check inside the envelope. Checks are also less attractive to thieves than cash. Checks cannot be cashed by just anyone, and that is too much of a hassle for a thief. Thieves want quick cash or some other form of money that is untraceable.

This is another reason why checks are safer than other forms of payment: they’re traceable. When you use a check, the bank makes a copy of every check that you use. You can easily prove that your payment was made. Once you’ve paid with cash, the cash is gone and disappeared forever. There is no way to prove where it went or what you spent it on. When writing a check, most people record the spending in their check register. You will also have proof of the check on your online banking page.

Another attractive thing about checks is the timing. It usually takes businesses a day or two to actually cash the check that you’ve written for them. This means that you have a day or two to make sure you have the money in your account to cover the check. This can be risky to do, but as long as you handle your checks wisely, than it should work for you.

If your bank offers you an online account, you can also manage your checks online. You can track how much you are spending, and make sure that no one has written any fraudulent checks under your name.

No Bank Account Needed to Cash Checks

Checks can also be cashed even if you do not have a bank account. Check City offers a convenient check cashing services for all of your check cashing needs. If you’ve been paid with a check for any reason, you can come to any of our convenient Check City locations and get that check cashed. Check City cashes many different kinds of checks. Check City will cash payroll checks, cashier checks, counter checks, government checks, insurance drafts or checks, money orders, tax refund checks, personal checks, and even out of state checks. If you have a check, it is likely that Check City will be able to cash it for you.

You may be wondering why you should come cash your check with us instead of going to your bank. Well, there are several reasons. One reason is that our locations are open later that almost every bank. We have extended hours so you can come cash your check after work, or almost whenever you’d like. This makes it so you can get your cash sooner rather than later.

Check City also understands how important your money is to you so we want to make sure the process of cashing your check is fast and easy. Our personable staff will make sure your transaction goes through as quickly as possible. As soon as you come in, we’ll be ready to help you and get you on your way.

Check City also offers extremely low rates when it comes to cashing checks. We will not charge you much to cash your check with us, and the convenience of coming to one of our locations greatly outweighs the amount we’ll charge you to cash your check.

All you’ll need to come cash your check at one of our locations is your check and a photo ID. All you’ll do is walk into one of our many locations, fill out a quick customer information form, and walk out with your cash in hand. If you’re wondering if there is a Check City location in your area, there is a high chance that there is. Check City has locations in Utah, Nevada, Colorado, and even Virginia and Maryland. At Check City, we want to make sure you get your money when you want it and how you want it. That’s why we offer convenient check cashing services that you are welcome to use anytime.

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process.

Actual loan amounts vary. See Rates and Fees for specific information and requirements.

Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.

Customer Notice: A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions.

Loan proceeds issued through our website are generally deposited via ACH for delivery next business day if approved by 8pm CT Mon. – Fri.

Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender – loans there are made by a third-party lender.

This is an invitation to send a loan application, not an offer to make a short term loan.

This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.

VCC Credit Services Inc., dba Check City Title Loans, a motor vehicle title lender, is licensed by the Virginia State Corporation Commission. License #VTL-28. Tosh of Utah, Inc. dba Check City Check Cashing, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-57 Anykind Check Cashing, LC. dba Check City, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-21

Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

Utah Customers: For consumer questions or complaints regarding payday loans and/or title loans you may contact our Customer Service Department toll-free at (866) 258-4672. You may also contact our regulator The Utah Department of Financial Institutions at (801) 538-8830.

Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.

This is an invitation to send a loan application, not an offer to make a short term loan. This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.

Customer Notice: A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions.